Federal credit union · SYRACUSE, New York · NCUA charter #24387
Syracuse Postal
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $18.1M
- Total assets
- 1,009
- Members
- 7.9%
- Net-worth ratio
Syracuse Postal scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.1M; members 1,009; net-worth ratio 7.88%; health rank #3,433 of 4,374; healthier than 21st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,433 of 4,374 health · 2025Q4Syracuse Postal · health 73/100 · $18.1M · 2025Q4
Call Report peers
Syracuse Postal in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Syracuse Postal vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Syracuse Postal sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Syracuse Postal vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -1.15 pp (0.00% vs 1.15%).
- Largest lag: Loan-to-Share Ratio at 18.55% vs peer 59.80% (-41.25 pp).
Where Syracuse Postal sits in New York
- In New York, health place is #199 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #188 of 272.
- Membership ranks #215 of 272 among New York CUs with a reported count (1,009 members).
- One place up in New York, UKRAINIAN (#198) ties at 73/100; one place down, Lufthansa Emp. (#200) scores 72/100, 1 point lower.
How Syracuse Postal's 5300 filing moved
Syracuse Postal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $18.1M (2025Q4) to $18.3M (2026Q1).
- Net-worth ratio shifted -0.44 pp (8.32% → 7.88%).
7.88% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
Syracuse Postal gives up 27 points in total. Member Growth costs the most, 9.8 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 24.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.6 pts
- Member Growth 5.2 pts
- Loan-to-Share Ratio 7.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.88% | -6.98 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.21% | -0.50 pp |
| Member Growth | -2.13% | - |
| Loan-to-Share Ratio | 18.55% | -41.25 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Syracuse Postal quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.3M | - |
| 2025Q4 | $18.1M | 1,009 |
| 2024Q4 | $17.6M | 1,031 |
| 2023Q4 | $17.2M | 1,082 |
Credit Union Details
- Charter Number
- 24387
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- New York
- City
- SYRACUSE
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Syracuse Postal runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| syracuse (Main Office) | syracuse, NY |
| APWU union hall | north syracuse, NY |
| medico residence | north syracuse, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Syracuse Postal ranks #3,433 of 4,374 nationally on financial health and #199 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CADETS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CADETS
Frequently Asked Questions
Is Syracuse Postal financially healthy?
On its 2025Q4 NCUA 5300 filing, Syracuse Postal scores 73/100 (Very Good), with a 7.88% net worth ratio and 0.00% of loans delinquent. It ranks #3,433 of 4,374 nationally on health and #199 of 272 in New York.
How does Syracuse Postal compare to other credit unions?
Syracuse Postal scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.00% vs 1.15%). Its widest shortfall is loan-to-share ratio (18.55% vs 59.80%).
How can I join Syracuse Postal?
Syracuse Postal carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Syracuse Postal directly to confirm current membership steps.
Is my money safe at Syracuse Postal?
Syracuse Postal is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Syracuse Postal's net worth ratio of 7.88% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.